Rates
Auto Loan Rates
Current as of 2/1/2019Term | APR* as low as |
---|---|
36-42 months | 2.24% |
43-60 months | 2.49% |
61-78 months^ | 2.74% |
79-84 months^ | 3.24% |
*Above rates represent a credit score of at least 780, a minimum of $25,000, and Automatic Payments from a PVFCU Checking Account. Members may see an increase in APR based on credit, value of vehicle, age of vehicle, and/or amount financed. Not all loans will be eligible for all terms listed above. |
Dividend/Simple Choice/Premium Advantage Checking Rates
Current as of 2/1/2019Balance | APY* | Dividend Rate |
---|---|---|
over $25,000 | 0.15% | 0.150% |
over $10,000 | 0.10% | 0.100% |
balances to $10,000 | 0.10% | 0.100% |
*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account. |
Business Advantage Checking Rates
Current as of 2/1/2019Balance ($25 minimum to open) | APY* | Dividend Rate |
---|---|---|
$250,000 and over | 0.26 - 0.50% | 0.499% |
$150,000 - $249,999 | 0.23 - 0.26% | 0.300% |
$50,000 - $149,999 | 0.18 - 0.23% | 0.250% |
$10,000 - $49,999 | 0.08 - 0.18% | 0.200% |
$2,500 - $9,999 | 0.01 - 0.08% | 0.100% |
less than $2,500 | 0.00 - 0.01% | 0.010% |
*APY = Annual Percentage Yield; Dividends are paid monthly on a Tier B calculation. Dividends in each tier are calculated separately from other tiers. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Regular Fixed Rate Certificates
Current as of 2/1/2019Min. Opening Deposit | Term | APY* | Dividend Rate |
---|---|---|---|
$1,000 | 6 months | 0.95% | 0.947% |
1 year | 2.10% | 2.084% | |
18 months | 2.35% | 2.330% | |
2 years | 2.40% | 2.379% | |
30 months | 2.50% | 2.477% | |
3 years | 2.53% | 2.506% | |
4 years | 2.55% | 2.526% | |
5 years | 2.85% | 2.820% | |
$10,000 (New deposits^) | 25 months | 2.70% | 2.673% |
$90,000 | 6 months | 1.00% | 0.996% |
1 year | 2.15% | 2.133% | |
18 months | 2.35% | 2.330% | |
2 years | 2.40% | 2.379% | |
30 months | 2.55% | 2.526% | |
3 years | 2.58% | 2.555% | |
4 years | 2.60% | 2.575% | |
5 years | 2.90% | 2.869% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Investment Money Market Rates
Current as of 2/1/2019Balance | APY* | Dividend Rate |
---|---|---|
$250,000 and over | 0.66-0.80% | 0.797% |
$100,000-$249,999 | 0.53-0.66% | 0.747% |
$50,000-$99,999 | 0.46-0.53% | 0.589% |
$25,000-$49,999 | 0.36-0.46% | 0.549% |
$2,500-$24,999 | 0.00-0.36% | 0.399% |
less than $2,500 | 0.00% | 0.000% |
*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Traditional Money Market Rates
Current as of 2/1/2019Balance ($1,500 minimum to open) | APY* | Dividend Rate |
---|---|---|
over $200,000 | 0.70% | 0.698% |
over $100,000 | 0.65% | 0.648% |
over $75,000 | 0.60% | 0.598% |
over $25,000 | 0.55% | 0.549% |
balances to $25,000 | 0.45% | 0.449% |
*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Share Savings and Club Rates
Current as of 2/1/2019Balance ($25 minimum deposit) | APY* | Dividend Rate |
---|---|---|
over $25,000 | 0.20% | 0.200% |
balances to $25,000 | 0.15% | 0.150% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Specialty Club Account (Christmas, Car club) Rates
Current as of 2/1/2019Balance | APY* | Dividend Rate |
---|---|---|
all balances | 0.25% | 0.250% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Health Savings Account (HSA) Rates
Current as of 2/1/2019Balance | APY* | Dividend Rate |
---|---|---|
over $5,000 | 0.40% | 0.399% |
balances to $5,000 | 0.10% | 0.100% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
One Penalty-Free Withdrawal (after 6 months) Certificate Rates
Current as of 2/1/2019Min. Opening Deposit | Term | APY* | Dividend Rate |
---|---|---|---|
$1,000 | 2 years | 0.95% | 0.947% |
$10,000 | 2 years | 1.00% | 0.996% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates less than 6 months from opening. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Education Savings Account (ESA) Certificate Rates
Current as of 2/1/2019Min. Opening Deposit | Term | APY* | Dividend Rate |
---|---|---|---|
$1,000 | 1 year | 0.40% | 0.399% |
2 years | 0.85% | 0.847% | |
3 years | 1.10% | 1.096% | |
5 years | 1.50% | 1.492% | |
$10,000 | 1 year | 0.50% | 0.499% |
2 years | 1.00% | 0.996% | |
3 years | 1.25% | 1.244% | |
5 years | 1.90% | 1.887% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any share account closed before accrued dividends are credited or for any certificate closed before maturity. Earnings may also be reduced by fees associated with some accounts. |
Individual Retirement Account (IRA) Certificate Rates
Current as of 2/1/2019Min. Opening Deposit | Term | APY* | Dividend Rate |
---|---|---|---|
$1,000 | 1 year | 2.15% | 2.133% |
2 years | 2.45% | 2.428% | |
3 years | 2.58% | 2.555% | |
5 years | 2.90% | 2.869% | |
$90,000 | 1 year | 2.20% | 2.182% |
2 years | 2.50% | 2.477% | |
3 years | 2.63% | 2.605% | |
5 years | 2.95% | 2.918% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from certificates will only have a dividend penalty if the account holder is less than 70 1/2 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Education Savings Account (ESA) Share Rates
Current as of 2/1/2019Balance | APY* | Dividend Rate |
---|---|---|
$250 minimum to open | 0.25% | 0.250% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Individual Retirement Account (IRA) Share Rates
Current as of 2/1/2019Balance | APY* | Dividend Rate |
---|---|---|
$250 minimum to open | 0.25% | 0.250% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Grow With Me Certificate Rates
Current as of 2/1/2019Balance | Term | APY* | Dividend Rate |
---|---|---|---|
less than $50,000 | Until age 18 | 2.75% | 2.722% |
$50,000 and over | Until age 18 | 2.75-0.15% | 0.150% |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals on certificates. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |